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Tag: rates

  • Mortgage rates climb to highest level in a year | Mortgage and refinance rates today, Monday, Aug…

    Mortgage rates climb to highest level in a year | Mortgage and refinance rates today, Monday, Aug…

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    Mortgage rates climb to highest level in a year

    Five months into the war in Iran, rising oil prices and stubborn inflation are driving mortgage rates to the highest level in a year.

    The average 30-year fixed mortgage rate climbed to 6.66% this week, the highest since July of last year, according to Freddie Mac. That’s up from 6.58% last week, marking the biggest one-week jump in mortgage rates in 10 weeks.

    Just a few months ago, mortgage rates dipped below 6% for the first time in years, fueling hopes that lower borrowing costs would revive the sluggish housing market.

    But since the US and Israel began joint strikes on Iran in February, investors have grown increasingly concerned that higher energy prices will keep inflation elevated.

    Mortgage and refinance rates today, Monday, August 3, 2026: Still hovering around 6.5%

    Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure.

    According to rates from the Zillow lender marketplace, current mortgage rates and refinance rates for Monday, August 3, 2026, are mixed.

    The current 30-year purchase fixed rate today is 6.65%, 8 basis points higher than the current refinance rate. The 15-year fixed purchase rate of 6.01% is even with the 15-year refi rate. The 5/1 ARM purchase rate of 6.65% is 3 basis points lower than the 5/1 refi rate.

    Read more: Weekly survey of mortgage lenders with the lowest rates: Pushing higher

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    Pending home sales down in the U.S., Utah

    Pending home sales in the U.S. are down, recently hitting the lowest level since early April.

    In the four weeks ending July 26, the number of seasonally adjusted sales pending nationwide was at 322,739 after a steady decline, new data from the online real estate brokerage Redfin shows.

    In just the last week of that time period, sales were down 1.7%.

    The drop is due at least in part to rising mortgage rates, Redfin posted. The weekly average rate for a 30-year fixed-rate mortgage in the U.S. climbed to 6.66% as of Thursday, according to the Federal Home Loan Mortgage Corporation, better known as Freddie Mac.

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  • Weekend clearance rates see promising uptick across country | Auction clearance rates rebound to …

    Weekend clearance rates see promising uptick across country | Auction clearance rates rebound to …

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    Weekend clearance rates see promising uptick across country

    Auction clearance rates are on the rise, bouncing back to their highest level in seven weeks.

    Experts predict this could be a promising sign for the property market and potential investors, or those wanting to get a foot in the door.

    For perspective, capital cities recorded a combined preliminary clearance rate of 54.8 per cent over the weekend, across 1318 auctions.  

    However, this time last year, that figure stood closer to 68 per cent, according to data from Cotality, so there is still a way to go.

    “I think we are at the beginning of a property downturn, the question is… how long does it go on for,” director of Azura Financial, Tom Hawley told Today.

    Auction clearance rates rebound to seven-week high

    After three weeks in the sub-50 per cent doldrums, auction clearance rates have bounced back to their highest level in seven weeks as lower volume constrains choice and buyers and sellers acclimatise to the cooling post-budget market.

    According to data house Cotality, the preliminary clearance rate across the combined capitals hit 54.8 per cent, a significant jump on last week’s 49.8 per cent, which was revised down to 46 per cent on final numbers.

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    The dynamic landscape of current events often brings forth significant discussions. Monitoring these developments provides crucial insights.

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  • Auction clearance rates rebound to seven-week high | Auction rates have dropped 30 points since J…

    Auction clearance rates rebound to seven-week high | Auction rates have dropped 30 points since J…

    Explore the latest developments concerning Auction clearance rates.

    Auction clearance rates rebound to seven-week high

    After three weeks in the sub-50 per cent doldrums, auction clearance rates have bounced back to their highest level in seven weeks as lower volume constrains choice and buyers and sellers acclimatise to the cooling post-budget market.

    According to data house Cotality, the preliminary clearance rate across the combined capitals hit 54.8 per cent, a significant jump on last week’s 49.8 per cent, which was revised down to 46 per cent on final numbers.

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    Auction rates have dropped 30 points since January, should we be worried?

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    Access unlimited news content and The Canberra Times app. Premium subscribers also enjoy interactive puzzles and access to the digital version of our print edition – Today's Paper.

    The ACT's auction clearance rates have dropped 30 percentage points since the start of the year, but experts in the industry are divided on whether it is any cause for alarm.

    Ray White's Kelsey Tracey said the situation was not yet dire – and unlikely to become so.

    "Anything over 40 per cent is actually just a really healthy market," Ms Tracey said.

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    Auctions quagmire continues

    This week, the combined capital preliminary auction clearance rate increased to 54.8%, the highest early clearance percentage in seven weeks, following three weeks of staying below 50%. With last week’s preliminary clearance rate of 49.8% being revised down to 46.0%, the increase is off a low base.

    An 8.7% decrease in volume coincided with an increase in the early clearance rate.

    Over the course of the week, 1,318 auctions took place, which is 8.0% fewer than the same week the previous year.

    The full text of this article is available to MacroBusiness subscribers

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  • Auction clearance rates rebound to seven-week high | Auction rates have dropped 30 points since J…

    Auction clearance rates rebound to seven-week high | Auction rates have dropped 30 points since J…

    Explore the latest developments concerning Auction clearance rates.

    Auction clearance rates rebound to seven-week high

    After three weeks in the sub-50 per cent doldrums, auction clearance rates have bounced back to their highest level in seven weeks as lower volume constrains choice and buyers and sellers acclimatise to the cooling post-budget market.

    According to data house Cotality, the preliminary clearance rate across the combined capitals hit 54.8 per cent, a significant jump on last week’s 49.8 per cent, which was revised down to 46 per cent on final numbers.

    Gift 5 articles to anyone you choose each month when you subscribe.

    Auction rates have dropped 30 points since January, should we be worried?

    Your digital subscription includes access to content from all our websites in your region.
    Access unlimited news content and The Canberra Times app. Premium subscribers also enjoy interactive puzzles and access to the digital version of our print edition – Today's Paper.

    The ACT's auction clearance rates have dropped 30 percentage points since the start of the year, but experts in the industry are divided on whether it is any cause for alarm.

    Ray White's Kelsey Tracey said the situation was not yet dire – and unlikely to become so.

    "Anything over 40 per cent is actually just a really healthy market," Ms Tracey said.

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    Melbourne auctions headed for worst slump since Covid

    Melbourne auctions have returned clearance rates below 50 per cent for four weeks straight.

    Melbourne is just a fortnight away from its worst run of failed auctions since the Covid pandemic lockdowns.

    Experts have warned homeowners will need to lower their price expectations to meet the market if the current slump continues, which could lead to a short-term hit to wider home values.

    A total of 561 Melbourne residences are slated to go under the hammer this week, down 4 per cent from a year ago, along with 17 abodes in Victoria’s regional areas.

    RELATED: Victorian home building drops to decade low, crisis fears worsen

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  • RBA done raising rates as housing faces tax ‘headwinds’, banks | Three major banks predict in…

    RBA done raising rates as housing faces tax ‘headwinds’, banks | Three major banks predict in…

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    RBA done raising rates as housing faces tax ‘headwinds’, banks

    Bank economists are tipping interest rate rises are over and the next move will be down, as a former Reserve Bank of Australia deputy governor warns the housing market faces headwinds from the government’s tax changes.

    HSBC on Friday joined ANZ and National Australia Bank in predicting the RBA would not move beyond its three interest rate rises this year and would be on a long hold before cutting rates next year.

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    Three major banks predict interest rates to fall next year – as it happened

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    Top economists at ANZ, Commonwealth Bank and NAB are now predicting interest rates will not rise any higher this year and will start to fall from the middle of next year.

    ANZ today changed its rate call to predict two cash rate cuts in 2027. It had previously expected rates to remain steady for the foreseeable future.

    HSBC’s Paul Bloxham also has now changed and expects no change until cuts in late 2027. Bloxham said:

    double quotation markInflation is still too high and is set to rise further before it falls. That being said, the RBA has already taken significant action to deal with this surge in inflation – and, critically, the action is working …
    We expect the RBA to be on hold in June. Although there is some risk the RBA might choose to hike again beyond that, we expect the weakening in growth to convince them to be on hold.

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  • Interest rates and recession: What to know before tomorrow’s RBA decision | The Hormuz hike: why …

    Interest rates and recession: What to know before tomorrow’s RBA decision | The Hormuz hike: why …

    Explore the latest developments concerning Interest rates and.

    Interest rates and recession: What to know before tomorrow's RBA decision

    Hi, I'm business journalist Emily Stewart. I'm here to help you understand how key moments in the economy can affect you.

    This week, people with mortgages around Australia will be waiting to see whether or not the Reserve Bank of Australia (RBA) raises interest rates. 🏠 I'll walk you through the factors that can contribute to the decision to change the interest rate and answer your questions. 🤔

    If you have a question for me, please reach out. Thanks to everyone who sent questions earlier in the week. I have some answers below.

    What: The Reserve Bank of Australia (RBA) board is meeting this week to discuss whether or not to change the cash rate. It is currently sitting at 4.1 per cent.

    The Hormuz hike: why the RBA is predicted to deliver a third straight interest rate rise this week

    While interest rate rises can’t affect the surging price of oil caused by Middle East turmoil, they are still the Reserve Bank’s best – and only – tool to fight inflation

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    There’s a nearly 80% chance that the Reserve Bank will deliver a third straight interest rate rise on Tuesday, according to financial markets.

    Higher interest rates are always unwelcome for the roughly 3.6m households paying down a mortgage. But a rate rise this week would be particularly galling.

    Slammed with higher petrol prices and the broader cost-of-living grind, more than one homeowner will be wondering how paying more interest on their loans will do anything to fix the root cause of the latest inflationary pulse: the Middle East conflict.

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    The dynamic landscape of current events often brings forth significant discussions. Monitoring these developments provides crucial insights.

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  • Mortgage rates show signs of falling after Iran war peak | ‘Meaningful relief for borrowers’ …

    Mortgage rates show signs of falling after Iran war peak | ‘Meaningful relief for borrowers’ …

    Explore the latest developments concerning Mortgage rates show.

    Mortgage rates show signs of falling after Iran war peak

    Major mortgage lenders are making "meaningful" cuts to the rates on new deals, bringing some solace to first-time buyers hit by the economic impact of the Iran war.

    Money markets are reacting to hopes of a long-term truce in the war so the recent rapid rise in borrowing costs has halted and is now starting to reverse.

    Experts say there is some momentum in mortgage rate reductions, but the situation remains delicate with borrowers still exposed to the possibility of sudden shifts in mortgage costs.

    First-time buyers say the change is a relief although the cost of buying a home remains painfully expensive for many at a time when other bills have risen.

    ‘Meaningful relief for borrowers’ as banks prepare to cut mortgage rates

    Santander is reducing mortgage rates being offered to borrowers with smaller deposits from Thursday, raising hopes that similar changes will be made more widely across the market.

    The bank said it is able to pass on a reduction in borrowing costs following a fall in swap rates, which are used by lenders to price mortgages.

    Meanwhile, TSB is also poised to reduce some of its mortgage rates from Friday.

    Looking at Santander’s reductions, they include reducing two-year fixed first-time buyer deals for people with deposits of 5% to 15% by up to 0.28 percentage points.

    Selected 5% to 15% deposit five-year fixed first-time buyer rates will reduce by up to 0.17 percentage points.

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    The dynamic landscape of current events often brings forth significant discussions. Monitoring these developments provides crucial insights.

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  • Sydney council rates are going up. Blame the fuel crisis | Rate rises, spending cuts and cost blo…

    Sydney council rates are going up. Blame the fuel crisis | Rate rises, spending cuts and cost blo…

    Explore the latest developments concerning Sydney council rates.

    Sydney council rates are going up. Blame the fuel crisis

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    Global instability is set to hit NSW ratepayers, with councils planning sharp increases to bin collection fees and rates charges as soaring fuel costs strain budgets.

    From Sydney’s suburbs to the state’s far west, councils say a perfect storm of rising diesel prices and structural funding constraints is driving up the cost of delivering essential services – with households set to feel the impact on their rates bills from July.

    The conflict in Iran – which has sent the price of fuel, especially diesel, skyrocketing – has coincided with councils finalising draft 2026-27 budgets.

    Rate rises, spending cuts and cost blowouts: Councils squeezed by fuel crisis

    Councils like Mount Barker District Council are impacting by the soaring prices of fuel and bitumen. (ABC News)

    Some South Australian councils may hike rates above inflation this year as they grapple with cost blowouts, spending cuts and project delays caused by the fuel crisis.

    One council is warning that the cost of some of its infrastructure projects could blow out by up to 50 per cent, while another says it will face "difficult financial trade-offs" if the crisis is prolonged.

    The state's 68 councils will adopt their annual budgets before the start of next financial year.

    Some South Australian ratepayers could soon be hit with rate increases above inflation as councils grapple with cost blowouts, spending cuts and project delays attributed to higher fuel prices.

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    The dynamic landscape of current events often brings forth significant discussions. Monitoring these developments provides crucial insights.

    For more detailed information, explore updates concerning Sydney council rates.

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  • Mortgage rates sink to the lowest level in a month, sparking more refinance demand | Mortgage len…

    Mortgage rates sink to the lowest level in a month, sparking more refinance demand | Mortgage len…

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    Mortgage rates sink to the lowest level in a month, sparking more refinance demand

    Mortgage interest rates dropped last week to the lowest level in a month, prompting more current borrowers to seek savings in a refinance. While lower rates didn't give potential buyers much incentive, the run on refinances was enough to push total mortgage demand 2.8% higher compared with the previous week, according to the Mortgage Bankers Association's seasonally adjusted index.

    The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances, $832,750 or less, decreased to 6.17% from 6.21%, with points remaining unchanged at 0.56, including the origination fee, for loans with a 20% down payment.

    "Treasury yields ended the week lower as weaker data on retail sales and home sales outweighed better-than-expected readings on the job market for January," said Joel Kan, vice president and deputy chief economist at the MBA, in a release.

    Mortgage lenders with the best rates this week, Feb. 17, 2026: Sub-6% offers nearly double

    Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure.

    The number of national mortgage lenders offering mortgage rates below 6% is rapidly growing. So, where can you find the lowest mortgage rates this week?

    The Yahoo Finance survey ranks lenders by the lowest annual percentage rate (APR), which includes lender fees. Read on to see the 10 lenders with the lowest rates right now.

    MORE: See our top picks for mortgage lenders for first-time home buyers.

    Here are the 10 mortgage lenders with the best interest rates this week, as determined by our survey of the lowest mortgage rates on 30-year, fixed-rate conventional loans. The following numbers are each lender’s annual percentage rate (APR).

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    The dynamic landscape of current events often brings forth significant discussions. Monitoring these developments provides crucial insights.

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